KosInvest | MFIs in Kosovo

Objectifs:

Improving the livelihoods of economically active poor families from all communities through high quality financial and business development services.

Contexte et principaux défis:

KosInvest started its operations in October 2001 by providing loans as Micro Enterprise Development program of World Vision Kosovo. KosInvest became as a separate entity from World Vision Kosovo in January 2007. Our challenges are to become as a licensed MFI in Kosovo with deposit taking rights, ... En savoir plus

Adresse:

Qyteza Pejton, str. "Mujo Ulqinaku" 1

Prishtina

10000

Kosovo

Téléphone:

38138240664

Email:

twallace [at] worldvision [dot] org

Site web:

www.kosinvest.org

Principales sources de financement:

Grants

Produits et Services:

Loans

Produits:

Loans

Services Offerts:

Business Development Services

à la recherche de :

Loans in Local Currency

Loans in USD

Donations

Guarantees

Capacity Building Grants

Equity investments

Loans in EUR

% des opérations représentant la MF:

91-100

Date de création:

Jan 1 2001

Date de fin d'exercice:

31-Dec

Statut légal actuel:

NGO

réglementé:

yes

Profil de Performance Sociale


+ Détails de la mission
+ Target markets (ranked by importance)
Clients living in rural areas	1
Minorities	2
Femmes	2
+ Development goals (ranked by importance)
Accès accru aux services financiers	1
Scolarisation des enfants	1
Amélioration de la santé	1
Egalité des sexes et autonomisation des femmes	1
Nutrition	1
Improvement of adult education	1
Réduction de la pauvreté	1
Croissance des entreprises existantes	1
Génération d'emploi	1
Développement d'entreprises "start-up"	1
Habitat	2
Eau et normes sanitaires	2
Opportunités pour les jeunes	3
+ Poverty targets
Clients très pauvres
Clients pauvres
Clients à faibles revenus
+ Gouvernance
Has trained members of its board on social performance management
+ Gamme de produits et services
+ Produits et services financiers offerts
+ Credit products offered
Prêts de microcrédit pour les micro-entreprises
Microcredit for household needs/consumption
Prêts aux PME
Prêts agricoles
Prêts d'éducation
Prêts au logement
Livestock leasing
+ Savings products offered
+ Compulsory insurance products required
+ Voluntary insurance products offered
+ Other financial products and services offered
Livestock Leasing
+ Services non financiers offerts
+ Enterprise services offered
Développement des qualités entrepreneuriales
Services de développement de l'activité
+ Education services offered
Education financière de base
+ Health services offered
+ Women's empowerment services offered
Awareness rising in patriarchal communities to acknowledge and promote the role of women in small family businesses
+ Products and services targeting the poor
Products and services specifically designed to target the poor:	Almost all product lines include offers designed for poor
+ Responsabilité sociale envers les clients
+ Principes de protection des clients en usage
The loan approval process requires evaluation of borrower repayment capacity and loan affordability. Loan approval does not rely solely on guarantees (whether peer guarantees, co-signers or collateral) as a substitute for good capacity analysis.
Internal audits check household debt exposure, lending practices that violate procedures including unauthorized re-financing, multiple borrowers or co-signers per household, and other practices that could increase indebtedness.
Productivity targets and incentive systems value portfolio quality at least as highly as other factors, such as disbursement or customer growth. Growth is rewarded only if portfolio quality is high.
Prices, terms and conditions of all financial products are fully disclosed to the customer prior to sale, including interest charges, insurance premiums, minimum balances, all fees, penalties, linked products, third party fees, and whether these can change over time.
Staff is trained to communicate effectively with all customers, ensuring that they understand the product, the terms of the contract, their rights and obligations. Communications techniques address literacy limitations (e.g. reading contracts out loud, materials in local languages).
Acceptable and unacceptable debt collection practices are clearly spelled out in a code of ethics, book of staff rules or debt collection manual.
The organization's corporate culture values and rewards high standards of ethical behavior and customer service.
Customers know how their information will be used. Staff explains how data will be used and seeks permission for use.
+ Coûts des services aux clients
Méthode de l'amortissement dégressif
+ Responsabilité sociale envers le personnel
+ Ressources humaines
Transparency on salary (a clear salary scale based upon market salaries)
Benefits (medical insurance, pension contribution)
Protection au travail (sécurité, anti-harcèlement)
Equality (anti-discrimination, equal pay for men and women with equivalent skill levels)
+ Incitations du personnel liées à la performance sociale
Capacité d'attirer de nouveaux clients du marché cible
Inclusion des communautés rurales/isolées
Inclusion des femmes
Client retention/drop-out rate
Qualité du portefeuille
Outreach of poor, vounerable and marginalised (minorities).
+ Responsabilité sociale envers l'environnement
This institution identifies enterprises with environmental risk
+ Poverty measurement tools in use
Per capita household expenditure
Per capita household income